Caveat verdict

monzo

88
🟢 Trusted
No high-risk patterns surfaced by the deep scan — automated capability review, not behavioral proof.

Monzo banking skill that uses OAuth to access the user's own bank account for balance checks and transaction viewing, with credentials encrypted at rest; fully expected capability for the stated personal finance purpose.

⚠ Flagged for review — coarse, uncorroborated signal, not a confirmed exploit. Review the config yourself before installing.

Automated static analysis — not a human review. Caveat flags capabilities, not confirmed intent, and can produce false positives. Disagree with this verdict? Use Dispute below.

50
security
70
transparency
70
maintenance

Findings (4)

Pattern match critical

Possible hardcoded credential

SKILL.md · code · PASSWORD="choose-a-secure-password-here

Pattern match medium

Accesses shell history/config

SKILL.md · prose · downgraded · ~/.zshrc

Pattern match low

Popular HTTP library — network access

scripts/transactions.sh · prose · downgraded · got

Pattern match low

References webhook/callback URL

scripts/webhooks.sh · prose · downgraded · WEBHOOK_URL

Why the tier is capped

Execution sink present in raw bytes (Hard Floor: class B). Final tier capped at Caution — cannot be lifted by any downgrade, example-payload opt-in, or allowlist.

Permissions & capabilities

Requires 1 environment variable. (1 sensitive: MONZO_KEYRING_PASSWORD). Requires 4 system binaries. (1 elevated: curl).

network_in

Is this flag fair?

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